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Capital Credit Union: Loans reviews

Name: Loans
Rating: 4.89 (757 reviews)

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4.89

Based on 757 reviews, last reviewed 24th Aug 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

96%

Latest highest rating:

5

They have excellent rates and respond very quickly. They have excellent rates and respond very quickly. I like the app and online experience that they provide. Reviewed on: 24th August 2026

Latest lowest rating:

1

Are one of the worst companies that I have had to de... Are one of the worst companies that I have had to deal with have no customer service just send you texts with half messages and are not able to call c... Read more Reviewed on: 12th December 2025

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About this product

With a Capital Credit Union loan, members can borrow from £50 up to £35,000.

All members must save at least £15 per month alongside the loan to help build up a nest egg. Capital Credit Union loans come with free loan protection insurance and flexible repayments with terms of up to ten years.

Capital Credit Union loan reviews help you find out what it’s really like to be a customer. If you’ve used Capital Credit Union before, you can also leave a review and share your experience.

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Capital Credit Union Loans reviews (757)

Unsecured loan

I applied for a loan to help pay for my wedding and Capital Credit Union made sure that I could afford loan repayments. The process was quick and easy and I can't recommend Capital Credit Union enough. They saved my wedding! Reviewed on: 14th April 2025

Staff are very friendly and easy to deal with.

Staff are very friendly and easy to deal with. Great rates and fast and easy application. Reviewed on: 14th April 2025

I loved every minute of my experience

I loved every minute of my experience Reviewed on: 14th April 2025

A great company with a super easy application system...

A great company with a super easy application system with help there if required Reviewed on: 14th April 2025

Very understanding and very professional

Very understanding and very professional Reviewed on: 14th April 2025

Delays, Slow, Unresponsive

Originally applied back in September. Provided ID through e-mail and got ignored for several months. When I followed up, I was ignored again. Eventually, almost 5 months after I originally applied I got a link texted to me to download an ID app, even though I had already provided this. Once I had completed that step I asked for an update on my loan application and was told it was sitting in a queue to be assessed and it may take a while. Okay fair enough you'd think, however I've since read multiple reviews of people having their memberships and loans processed in less than 24/48 hours recently. I'm not sure why I've been treated this way but it's really disappointing. Credit Unions are supposed to be friendly, welcoming and provide good service. I've had nothing but hassle since my original application and I feel excluded, downbeat and disappointed that for no apparent reason I am being treated seperately to other customers. Reviewed on: 14th February 2024

Worst service

I wouldn’t recommend anyone using this service. The customer service is probably the worst I have ever experienced. Reviewed on: 29th November 2023

Good interest rates

Good interest rates, great service and staff, easy to use app. Reviewed on: 1st June 2023

One of Your staff has very Rude behavior and bad attitude !!!

One of Your staff has very Rude behavior and bad attitude !!! Asking customers to repeat 1000s time same issue And still never sorted !!!! Agents offer no Empathy !!! Poorly trained and uninformed representatives very bad service !!!! I Wll never recommend to any one !!! You need to work on to teach your representatives !!! Reviewed on: 28th May 2023

All was good

Very good useful when was in financial difficulties Reviewed on: 3rd April 2023

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